Car loans from 3.99% p.a

We’ve helped Australians across the country save thousands on their car loan. With links to over 25 of Australia’s top lenders, our car loans take your money further. See how you can compare and save with us

No obligation. It won't affect your credit score.

Low rate car finance for new and used cars

Savvy drives car loans further

We’ve helped Australians across the country save thousands of dollars on their car loan. With links to over 25 of Australia’s top lenders, the level of satisfaction our customers feel is reflected in our 4.9-star Feefo rating for outstanding service. 

Our expert car loan consultants are with you every step of the way. We personalise our service to each and every customer, so you can rest easy knowing you’ve secured a great car loan deal suiting your budget and needs. 

Think car loans, think Savvy

Get more car loan options. Whether you’re buying new or used, from a private seller or dealer, we can help secure the best rates and most flexible terms. If you’re in business, we speak your language. We help businesses secure commercial chattel mortgages, hire purchases or a car lease that keeps cash flowing.

Have a complicated situation? We work hard and have a high success rate in assisting customers with ‘outside the box’ requirements.

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The features and benefits of car loans with Savvy

Access competitive rates from 3.99% p.a.

With comparison rates starting at 4.36% p.a., you can lock in an affordable deal for yourself from the outset and save hundreds of dollars over your loan, if not more.

Borrow 100% of your car’s value

You won’t be required to make a substantial deposit at the beginning of your loan, with finance available for up to the purchase price of your car (with on-road costs able to be included).

Flexible loan terms

Borrowers can select the term over which they repay their car finance deal, with loans as short as one year and as long as seven able to be repaid weekly, fortnightly or monthly.

Repayment stability with fixed interest

By locking in your interest rate at the start of your loan, you can bring greater stability to your repayments by guaranteeing consistency each and every instalment.

Buy new or used, anywhere in the country

Whether you’re looking to purchase a brand-new car from the dealership or a used vehicle in another state, our consultants and panel of online lenders will find a solution for you.

Rapid loan approvals

From the moment you submit your application form with Savvy, you can have the funds transferred and take ownership of your car within just 48 hours.

Both private and business finance options

Whether you’re looking for a car to drive the kids around or a helping hand with the purchase of a commercial vehicle, there’s a range of options at your disposal.

100% online applications

You can complete an application, be approved and receive your loan funds without having to leave your home.

Why choose Savvy for your car loan?

Our range of car loan options to suit all your needs

Our car loan process explained

Car loan calculator

Your estimated repayments


Total interest paid: $1233.43
Total amount to pay: $5,143.99

Brands you can trust

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We are accredited with the most reputable lenders and insurers in Australia giving you a fair choice to compare.

Got a question about your car loan?

How can I apply for a car loan?
Applying for a car loan begins with an online application. An application includes sending through all the required application information plus the required supporting documentation that our panel of lenders will need to determine affordability, suitability and approval. Documents required will include:
  1. Driver’s licence, passport or birth certificate
  2. Income verification – two most recent payslips or two years’ worth of tax returns (if self-employed)
  3. Privacy consent
  4. Car details
Once your consultant has received all the following details, they will be able to approve and settle your loan within 24-48 hours. Many customers when applying for a quick pre-approval may not know exact car details, so everything aside from car details can be sent through to secure unconditional approval.
How much can I borrow?

You can borrow 100% of your car’s purchase value and include extras such as insurance and extended warranties. Car loans start at $5,000 and can go up to the purchase price of the vehicle.

What is a comparison rate?

A comparison rate, put in simple terms, is an interest rate that includes most common fees and charges associated with a car loan, given as a percentage per annum (per year.) This is the base interest rate plus ongoing fees such as account keeping fees, administration fees, and other general charges. This does not include transactional or situational fees such as requesting a statement, early payment fees (if applicable) or late payment fees.

How long does the process take?

We can approve and settle finance within 24-48 hours (business days). Our consultants are available to make the process quick and easy.

How long can you go on a car loan?

The average car loan term is 5 years. People can opt for shorter or longer terms depending on their needs and circumstances. Some car loans can last for 12 months all the way up to 7 years.

What is a secured car loan?

A secured car loan is a financial product that ties the amount of the loan to the value of the car. The car is used as collateral. In return for the security, your car loan interest rate is generally lower.

Does a car loan take longer to get approved if I am self employed?

No whether it’s a consumer or commercial loan, the approval process remains the same. The key to a fast approval is delivering the required documents to your consultant upon request. Your Savvy consultant is skilled at all scenarios and, with our technology-driven process, will have your loan approved within 24 hours.  

Can I make additional repayments to reduce my loan?

Yes! All of our financiers will allow for extra repayments without penalty. 

Can I pay out my loan early?

Yes! Many of our loans give you the options to pay your loan off before the term is up without any penalty. If this is an important feature that you require, speak with your consultant about this option. 

How can Savvy help you get a better rate on your car loan?

Having a high credit score

Your credit score will play a major role in helping us determine whether we can get you the best interest rates on your car loan. It’s a key indicator to lenders about your borrowing history, such as your past borrowing, any late repayments or defaults and your existing credit limits. 

Buying new or near new

Lenders always lean towards brand-new cars, or those fewer than three years old, so your Savvy consultant will help walk you through your vehicle options. We can even help you source your car through our dealer network so you can choose from the best.

Being asset-backed

If you own any property, whether it be your house or a suite of units, we can help you access the best interest rates on your car loan. This is because lenders always prefer borrowers with asset-backing, either paid off or currently paying for. Some may also accept significant savings, known as “cash at bank”, instead of real estate.

Having verifiable existing credit

A strong repayment history on a past or current car loan is another key factor that can enable us to obtain the best interest rates from lenders. This displays to your lender that you’re a trustworthy borrower who can handle the responsibility of loan repayments.